Pábulo - meaning “sustenance for life” - is a next-generation digital platform designed to bring people, businesses, and communities together through meaningful engagement and value.

The platform combines loyalty programs, multi-currency wallets, events, rewards, fundraisers, and more into one seamless ecosystem.

Built on a 100% cloud-native architecture, Pábulo integrates embedded AI, ChatGPT, and machine learning to deliver intelligent, personalized, and scalable experiences.

More than a platform, Pábulo is an ecosystem designed to connect, reward, empower, and sustain communities.

The Problem we solve

Today, businesses and communities operate across fragmented platforms for loyalty, payments, events, rewards, and engagement.

Pábulo brings these experiences together in one intelligent ecosystem, making it easier for businesses to connect with their customers, for people to access greater value, and for communities to engage, contribute, and grow - without the complexity of managing multiple disconnected systems.

Who Is Pábulo Built For?

Pábulo is designed for organizations that want to launch their own digital loyalty, wallet and engagement ecosystem without building the technology from scratch.

• Fintechs & Startups — Launch new digital products faster with a proven technology foundation.

• Banks & Financial Institutions — Add loyalty, rewards, wallets and customer engagement capabilities.

• Retail & Hospitality — Build branded loyalty and rewards ecosystems across customers and merchants.

• Enterprise & Consumer Brands — Create fully white-labeled engagement and wallet experiences.

• Events & Communities — Combine events, rewards, memberships, fundraising and payments in one ecosystem.

• Technology Partners — Extend Pábulo through SDKs and APIs to create specialized solutions.

Key Differentiators

Pábulo brings loyalty, multi-currency wallets, rewards, events, fundraisers, and community engagement together in a single platform rather than operating as disconnected products.

One Connected Ecosystem

Fully White-Labelable

Pábulo can be fully branded and customized for businesses, financial institutions, and partners, allowing them to launch their own loyalty and wallet ecosystem under their brand without the cost and complexity of building the technology from scratch.

Cloud-Native & Built for Scale

A 100% cloud-native technology stack provides the flexibility to integrate with existing systems, scale across markets, and continuously introduce new capabilities without being constrained by legacy architecture. Developer-Ready SDK — A cross-platform Flutter SDK that abstracts APIs, authentication, data models, validation, and backend integration, enabling rapid development of Pábulo-powered and white-label applications across Android, iOS, and Web

Business + Community + Consumer

Unlike systems focused purely on merchant loyalty, Pábulo creates value across businesses, consumers, organizations, and communities, opening opportunities for fundraisers, sponsorships, events, and social engagement.

Multi-Currency by Design

Built for businesses and users operating across currencies, markets, and borders, with wallets designed to support a more global customer experience.

AI-Native Intelligence

Embedded AI, ChatGPT, and machine learning enable smarter personalization, recommendations, customer engagement, and automation beyond conventional points-and-wallet systems.

Integrated Solution Architecture

Pabulo Backend Platform

Pábulo is built with an enterprise-grade Java SDK and modular architecture, allowing businesses and technology partners to extend the platform and build new capabilities without having to develop an entire loyalty, wallet, rewards, or engagement platform from scratch.

The Java SDK provides reusable components, APIs, models, and integration capabilities that make it easier to connect existing systems, develop custom functionality, and create industry-specific solutions. This dramatically reduces development effort, cost, time-to-market, and long-term maintenance, while allowing organizations to leverage the core Pábulo platform and continuously innovate on top of it.

Developer-Ready Pábulo SDK

The Pábulo SDK enables developers to rapidly build and integrate rich Flutter applications across Android, iOS, and Web. It abstracts the complexity of API integration, data models, authentication, validation, and backend communication into simple, reusable components—significantly reducing development time and integration effort.

Built with secure JWT lifecycle management, standardized APIs, request/response models, repositories, event-driven architecture, and client-side validation, the SDK provides a consistent foundation for building Pábulo-powered applications and white-label solutions at scale.

Build once. Integrate faster. Launch Pábulo-powered experiences at scale.

Live across multiple use cases & markets

Pábulo is already live in France as a loyalty program and in the United States (Kentucky) powering charity and fundraising initiatives. This demonstrates the platform’s versatility in supporting fundamentally different use cases—from customer loyalty and engagement to social impact and community-driven fundraising.

This dual deployment highlights Pábulo’s ability to operate across diverse industries, regulatory environments, currencies, and engagement models, proving it is far more than a single-purpose loyalty system.

With its cloud-native architecture, SDKs, APIs, and white-label capabilities, Pábulo is designed to replicate and scale these varied implementations into new markets quickly—without requiring customers to build complex underlying technology from scratch.

TAP Rewards (France)

Founded by seasoned digital nomads who have traversed the globe, we intimately understand the exhilarating yet daunting journey of establishing oneself in a new city. We've felt the excitement of discovering hidden gems, the frustration of navigating unfamiliar social landscapes, and the gratification of truly belonging somewhere. That's why we created TAP Rewards – to simplify and enhance the experience of city living for young professionals like us.

FoodMindz (USA)

Ending Waste, Helping Businesses Save Money, providing more access to food. Food waste and food insecurity don’t have to exist side by side. Foodmindz connects restaurants, grocery stores, and food distributors with food-insecure individuals—helping businesses save money, reducing waste, and making sure food gets to those who need it most.

Build on Pábulo—not from scratch.

Push Notifications Enabled

Over 100 types of push notifications from checking in to a bar to wallet top-ups, charity donations, points collections, merchant approvals, payment collections, bill collections etc. All push notification message with emojis can be customized to your own language and style, without any recompiling, or coding changes.

📝 Business entity was approved

💰 Wallet top-up successful.

Built In Payment Gateways

Process all leading Credit Cards, Bank payment(s) and other wallets with fully integrated Stripe Payment Gateway. Process EBT Snap Cards for low income & underprivileged.

† Electronic Benefit Transfer (EBT) is part of the US Govt. program and only applicable in the United States.

Location / Context based information

API's are designed to handle mobile location data (Latitude / Longitude) to provide data within a radius of the current position. Use case for, "Show me bars near me", "What promotions are happening within 5KM".

Plug & Play AI / ML

Support for Chat GPT, Sentiment Analysis, Behavior Analysis, Spend / Visit / Redemption pattern analysis and more... Don't like the default modules used, change the configuration without recompiling, coding or messy costly testing.

Internationalization out of the box.

Single platform supports all languages, no messy setups, multiple installations, or HTTP redirect. Clean single solution serves multiple language at the same time.

REST API-based solution

Secured Token, uniform and consistent interface for interacting with resources, simplifying front-end technologies.

Process Based QR Code

The platform comes with its unique QR Code generation & processing of QR Codes without the need to manually input information. Each process flow, e.g. Collections, Pay-Me, Loyalty Visit, Loyalty Spend etc. has unique QR Code's. All QR Code colors and overlays are configurable.

Fully Customizable Email Templates

The platform is build on powerful templating engine based on the SpEL (Spring Expression Language) to give you the power of customizing all email templates without a single line of code.

Fully Customizable system messages

Don't like the backend error messages, or confirmation messages, no problem, customize all system message(s) to your preferred language, your style and appropriate to your market. No recompiling, no coding, no creating change request. Just edit one message file and you can customize all messages from backend to front end.

Swagger Documentation

Swagger documentation to generate client libraries or direct integration with the platform.

Pábulo is built for business operations and technology support teams, the only platform that has 100% event notifications of all audit activities that can be configured to any monitoring tool of your choice viz. Grafana, Splunk, Azure Telemetry.

SMS Notifications Enabled

Send critical notifications like KYC, OTP, or verification links through SMS using out of the box SMS Gateways without needing to build or subscribe.

Dart SDK

We have kept this in mind that businesses need quick launch to production and do not want to tie down to any provider, so why spend huge sums of money to learn and build throwaway code? We have a 100% abstracted SDK that will give your developers less than a day to get your system up and running.

Get the preview SDK at Pub.dev

If you feel adventurous, we have full Swagger documentation that you can use to directly connect to the backend.

The Platform

Consumer / User / Owner

Pabulo is built with customizable features and operations that suites your business needs and wants, keeping it simple for businesses to go to market without needing a specialized training in understanding the platform.

A Consumer is a logical place holder, used to identify (login) to the platform with single unique email, the consumer will use this verified email to perform all operations in the platform. A consumer may be an owner of one or more Facilities (restaurants, home kitchens, Charity Organizations, Delivery Services etc.).

Facility / Merchant / Shop / Charity

Facility: a physical place where the business entity is registered, as per the local / regional government declaration, i.e., Business Registration / Tax Declaration etc.

💡Facility must be approved by business operation(s) in order to transact on the platform.

🎗️Charity - Facility that is classified as a Charity can perform additional functions:

• Can create events.

• Can create advertisements.

• Can offer rewards.

• Can participate in donation(s) of items / recipes etc.

• Can create items / recipes / items for offer.

• Can create rates / services for offer.

• Can create customized loyalty program(s).

• Can create fundraisers.

• Can accept wallet-to-wallet donations.

• Can cover donation transaction fees on behalf of recipients.

• Can issue donation certification(s) for tax purpose.

🧭 Facility has Location (Latitude / Longitude) Information.

Functions / Operations:

Wallets / Financial Transactions

Wallets are cash accounts that maintain cash balances and transaction accounting through out the platform. This includes, donations, purchases, withdrawals, top-ups etc.

💰 Wallets are multi-currency, i.e., all wallets support currencies that are configured for the platform at a given time.

💡Read the technical deployment manual for configuration settings.

There are two categories of wallets:

Consumer / User Wallet: This wallet is considered as the personal wallet, that allows to perform day-to-day operations like bill payments, top-ups, donations etc.

Facility / Merchant Wallets: These wallets are special wallets that allow a merchant to collect bills and payments from the consumers or users. These wallets allow Withdrawal requests, where the facility can withdraw (transfer) wallet money to there personal bank(s) out of the system.

If this facility is classified as Charity, then these wallets can participate in the auto-charge for transaction fees for donation recipients.

Default Charity

Within the system, you can designate one or more default charities, that the system can refer to for auto operations, e.g. When a facility wants to donate item(s), one of the default charity will be associated with this donation, if the facility does not have a specific charity they want to donate it through.

✋Donations cannot be made directly by a facility without a qualified charity associated with the donation.

Loyalty

Business rules, to offer loyalty points to customers based on the interaction with the platform or with a facility.

There are 2 types of loyalties:

1. Default Loyalty: This is the platform specific loyalty rules that are offered as your program. Default loyalty is the main loyalty program that gives you the ability to run a loyalty program that is independent of any facility / merchant. If your business model is just to offer loyalty program, then in your installation you will only have default loyalty program.

2. Facility Loyalties: Every facility / merchant / charity can have any number of loyalties on offer to the customers. Rules are only applied when the customer is interacting with that specific facility. e.g., Scanning a Visit QR Code of that facility.

Loyalty Rules

Rules are categorized as follows:

Visit Rule: Points calculation based on visiting a facility or checking into a location (tagging, check-in etc.).

Referral Rule: Points calculation for referring a facility / merchant or referring your program to friends. This is like friends inviting friends to either visit a facility or become a member of your program.

💡Visit points can be earned by easily creating the facility / merchant Loyalty Visit QR Code and displaying this QR Code at the facility / merchant premises.

Review Rule: Points to give when a customer writes a review about a facility / merchant and this review is approved by business operations.

Feed Rule: Points to offer for each type of feed(s) the customer claims using the Feed QR Code.

Spend Rule: These rules are based on currency the customer spends at a facility / merchant.

1. Rule 1: US Dollars, offer 10 points for a minimum spend of $5, and 3 points for every $2 spend on top.

2. Rule 2: EUR, offer 15 points for a minimum spend of €10 and 5 points for every €5 spend on top.

Care Rule: Points awarded for donation or donating items and cash donated to a charity. The cash donation rule is identical to the spend rule, except the customer is transferring cash from his wallet to the charity wallet.

Reward Tire Rule: This rule is more for the classification of the customer based on the points accumulated. e.g.:

• 0 - 500 Points classify as Bronze Customer

• 501 - 2000 Points classify as Silver Customer

• 2001 - 999999 Points classify as Gold Customer

Waypoint - Gamification - Awards

If you are old enough to remember the phenomenon of Pokémon Go that made the world, get out of there couch and into the field to meet and interact with other fellow humans. Waypoints are essentially physical locations that you can place QR Code's to entice people to go visit places and collect Reward Points or Reward Cash. Each waypoint can contain a physical location, a radius of where and how to allow collection and the associated reward in the form of Points or Cash. 

Rule Builder

A feed is a way for the Facility / Merchant / Charity to conduct business on the platform.

✋All feed types must be configured using the Admin Portal, for a facility / merchant or charity in order to participate in that business flow. So, if Merchant A is configured for Events & Rewards, Merchant A will not be able to create Advertisements.

Events

Event, planned activity at a specific date/time and at a specific place.

A facility / merchant or Charity can create a event, that is either paid or free depending on the the event type. All event(s) have the option to be booked (reserved) by user(s) in order to get a unique QR Code to be presented at the time of the event to get admitted.

💡Loyalty points are allocated to event(s) spend if this is a paid event, or attendance depending on the loyalty configuration rules.

Rewards

Rewards are on the spot promotions or offers that a merchant wants to offer there patrons without needing to create or participate in a full loyalty program. e.g.; Buy 10 beers and get 1 free.

Rewards do not track items unlike Loyalty Catalog items, these are purely promotional items that is managed, decided and offered by facilities / merchants or charity.

Advertisements

Advertisements are pieces of information the facility / merchant or charity can publish on the platform. These type of feeds are informational only, and do not have any connectivity to loyalty programs.

Fundraisers

Fundraisers are feeds that allow a Charity to raise fund(s) for a specific cause. All users on the platform can donate fund(s) towards that fundraiser.

💡 All feed(s) come with data tracking meta data, cash accounting, point accounting, email notification, push notification for mobile devices.

Donations

Facilities / Merchants / Charities can offer donations or items for charity on the platform by simply publishing the items they want to donate.

Donation Process:

• Facility / Merchant select(s) items that they would like to offer for donations.

• Facility / Merchant associates a valid charity that is approved to be associated with the donation.

• Facility / Merchant defines the items / area (radius) they want to notify recipients and other meta data.

• Facility / Merchant submits the care package (donation), the donation processing engine will then notify registered user(s) within that radius via Mobile Push Notification.

• Recipients can then book the items and indicate, upon confirmation the recipient will get a unique QR Code that can be presented to the Facility / Merchant or Charity at the time of pickup.

💰Transaction processing fees can be configured for every successful booked item. This fee can be covered by the Charity that is associated by the Donating Facility, or fees can be paid by the recipient.

Create Donation

Recipient Booking

☝️ These are conceptual screen designs only, and not part of the platform.

Pickup Screen

Cash Donations

Any user on the platform with a wallet can donate cash to the charity of there choice, provided the Charity accepts cash donations.

Admin SDK

The platform comes with a fully functional back-office administration SDK to give you the operational capabilities embedded into your mobile application.

🔐Any user(s) can be promoted to a Administrator Role who have successfully created and verified OTP on the platform.

👤Default user is Platform Administrator who has all the rights to get you started. ☢️It is advisable to change this user & password upon installation.

💪Roles are capabilities assigned to a user to enable them to perform specific types of admin operations.

⛔ The platform does not allow operations to be performed on self login, e.g., if you are logged in as User A then you cannot grant or remove roles for User A.

Types of Roles

User Management

• Enable / Disable User(s) on the platform.

• Add / Remove Roles from another user.

⛔User(s) can only be created through the "Sign In" workflow, operations can only:

• Enable a inactive user account.

• Disable a active user account.

Facility Management

• Approve a Facility

• Link to consumer

⛔ Facility / Merchant / Charity can only be created through the "Create Facility" workflow, operations can only:

• Activate - Enable the facility to participate in the platform wide features and function.

• Configure Metadata viz:

  • Are referrals allowed?

  • Are reviews allowed?

  • Is this facility featured in the TOP Filter?

  • Is this facility a certified charity?

  • Is this facility a Default Charity?

  • Does this facility (charity) cover platform matching fees?

  • Does this facility (charity) allow or take cash donations?

• Feed Types Configuration:

  • Is this facility allowed to publish Events?

  • Is this facility allowed to publish Rewards?

  • Is this facility allowed to publish Advertisements?

  • Is this facility allowed to create and run fundraisers?

Review Management

• Approve / Reject user reviews for a facility / merchant or charity.

⛔User reviews for a facility goes through two stages before this review is visible on the platform under that facility.

1. The platform AI will run a Sentiment Analysis on the review text and classify the over sentiment value, with a Positive / Negative & Neutral Score.

2. After this has completed, this review will then be visible to the Operations where a human can then decide on final score (stars) and to publish it on the platform or reject.

Feed Management

• Approve / Reject a facility / merchant of charity feed.

💡All created feeds i.e., Events, Rewards, Fundraisers, Advertisement have the option to be approved before they are visible on the platform. There two settings that control this behavior,

• System wide in the configuration: If the configuration has Auto Approval Enabled then all facilities feeds are auto approved.

• Individual Facility level: If the configuration for a facility is not to auto approve, then feeds have to be manually approved. System wide configuration takes the highest precedence.

Loyalty Management

• Create Update Primary Loyalty

• Create Update Facility Loyalty

• Debit / Credit Loyalty Points

Primary (Default) loyalty program is the main loyalty program that is not associated with any facility. All the rules of a primary loyalty program are applied to all facilities / merchants / charity. Only 1 primary loyalty program per instant (installation) can be enabled.

Redemption Catalog Management

• Add catalog item to primary loyalty program

• Add catalog item to facility loyalty program

The platform distinguishes between redemption items that belong to the primary loyalty program, and items that belong to a facility loyalty program.

Items that belong to a facility loyalty program can only be redeemed with points that are acquired at the facility only.

Finance Management

• Cancel Pending Payments

• Debit / Credit Customer Wallet

• Debit / Credit Facility Wallet

Reference Data Management

• Create Update Knowledge Base Articles

API Key Management

• Issue new API Key

• Disable API Key

The platform is built for integration with 3rd party system, like SFDC, Oodo or another front end. This gives you the ability to issue your own API Keys to be used by specific vendors and have a greater security control on your integration partners.

Build on our own Dart SDK.

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